KOW webshop (later also used “webshop”)
Kainuun Rastiviikko ry
Ketunpolku 1, Tieto 1, 87100 Kajaani
KOW webshop sells products to private persons within Finland and the EU. No VAT is added to the prices of the products (Article 4 of the VAT Act). We reserve the right to the price and delivery cost changes.
Placing an order
Paying for your order and payment options
Payment Service Provider
Paytrail Plc acts as a collecting payment service provider and is an authorized Payment Institution. Paytrail Plc will be shown as the recipient on your bank or credit card statement. Paytrail Plc will forward the payment to the merchant. For reclamations, please contact:
Phone: +358 207 181 830
Business ID 2122839-7
Online Bank Payments
You can pay your order using any of the online payment buttons of the Finnish banks. When you are using the online bank codes provided by your own bank and you want to pay for your purchase, you will be redirected for a while to your own online bank service where you can pay for your order directly from your bank account. The recipient for the payment is Paytrail Oyj, which is the payment service provider in our web shop.
Card Payments and MobilePay by Visa, Visa Electron, Mastercard, Eurocard and American Express
Paying with a credit or debit card is always easy and safe in our web shop. Card payments and MobilePay payments in our webshop are provided by Paytrail Oyj. During the transaction, all card information will be handled through a secure connection. Card numbers are not recorded in Paytrail Oyj or the webshop’s systems; the card data is processed by the technical service provider Nets.
Payments with the Siirto App
Our web shop offers easy and secure mobile payments using the Siirto App. Siirto is a new version of online banking payments. Siirto App payments can be made via Nordea’s Siirto App, Pivo App and with OP Mobile. When using a mobile device for the payment the Siirto App you use opens automatically. When using a computer’s browser, you can add your phone number in the space provided and accept the payment in the Siirto App you use. The payment will be debited from the bank account you have saved in your Siirto App.
Payment by invoice or part payment
Flexibility and freedom of choice - pay all at once or in installments, at the pace you choose
Invoice and account credit give you more time to pay for your online shopping purchases. Using them, you can wait for your order to arrive in peace before paying for it. You can make the payment either at once with an invoice or in smaller parts with an account credit, in which case you can pay the amount that suits you best every month and spread the payment over a maximum of 36 months.
Free payment time with an invoice - safe and easy transaction
With an invoice, you always get 30 days of interest-free payment time for your online shopping. The long payment period enables you to check your purchase and, if necessary, return it before the invoice is due.
To take advantage of the payment period, you need a positive credit decision, which is easy to apply for when making a purchase. You can apply for it if you are at least 18 years old and have a Finnish social security number and a permanent, official home address in Finland. Your credit information is also checked from Bisnode Finland Oy's register.
The payment method can be used for purchases of up to €5,000.
When you have received a positive credit decision and confirmed the purchase transaction, you will receive an invoice for your purchase in your email. If you want to pay the bill in smaller parts and with a payment period that suits you better (1-36 months), you should enter into a credit agreement regarding continuous credit with Norion Bank AB by logging into My Pages at my.walley.fi. Upon signing the credit agreement, you will be granted a credit limit that can be used for subsequent purchases in accordance with the credit terms.
When you have a valid credit agreement, you should only pay the minimum amount stated on the invoice you received by the due date, but you can also pay a larger amount if you wish. After that, you will be sent a monthly invoice by e-mail until the loan is fully paid. If you wish, you can always reduce your credit in installments larger than the minimum amount stated on the invoice.
Credit costs and credit example: In the MERCHANT'S NAME online store, campaign conditions apply, according to which the interest on the account credit is 19.2% expressed as a nominal annual interest rate and the monthly payment is €2.95 per month (€3.80 on the first invoice). If the granted credit limit is €1,000 and it has been used in its entirety for purchases made from the MERCHANT'S NAME online store and the credit is repaid within 36 months, with the applicable campaign terms, the effective annual interest rate is 28.6%, the total amount of credit costs is €403, the total amount to be paid is €1,403 and the number of installments is 36 . Late payments will be charged with statutory reminder fees and collection costs, as well as interest for the delayed period.
The issuer of the invoice and credit is Norion Bank AB, organization number 556597-0513, which is the registered owner of the Walley trademark.
Lilla Bommens Torg 11, Box 11914, SE-404 39. More information:
To see the full terms and conditions for Walley use the links:
More detailed service description: https://www.walley.fi/asiakaspalvelu/
General terms and conditions for invoice: https://cdn.walleypay.com/terms/Terms_FI.pdf
Standard European Consumer Credit Information: https://cdn.walleypay.com/terms/SECCI_FI.pdf
Jousto invoice and installment
Jousto invoice and installment is a domestic service that makes your purchase fast and safe. Jousto is intended for Finnish individuals over 20 years of age who have managed their finances properly.
Flexibility gives you 30 days of non-interest payment. A € 2.90 billing fee will be added to your purchase. Once you receive the invoice, you can decide whether to pay it in full or in installments. In installments you can pay for your purchase in up to 36 installments, starting from € 9.90 / month. The cost of Jousto installment is € 3.90 / month and a credit rate of 19.90%. You can use Flexible to pay for purchases of between 30 and 3000 euros.
Buying with Jousto is safe. With the first purchase, you make a strong electronic identification. As a returning customer, you can easily identify yourself with a one-time code sent to your phone. We make a real-time, automated credit decision with each purchase. The transaction and the transmission of information always take place in a secure context. The invoice will be sent by email. The lender is Aurajoki Nordic Oy.
Read more about Jousto at www.jousto.com. Jousto is the most convenien form of payment for online shopping.
Online shopping payment method for customers of all banks
OP Lasku is a payment method for everyday special purchases online. It is intended for customers of all banks.
- You get 45 days interest-free payment period for your purchases
Thanks to the long payment period, you can decide before paying whether you take the product you ordered.
- You can pay in installments if you wish
If you wish, you can easily and uncomplicatedly switch to a monthly payment in installments. Then you can shorten the bill at your own pace.
- You can easily stay in control of your situation
You will conveniently receive invoices in your e-mail and reminders by text message. In addition, we compile invoices for you in a modern online service.
A flexible way to pay for online purchases
With OP Lasku, you can make purchases of up to 5000 euros and pay them off interest-free within 45 days. If you wish, you can split the invoice into several installments. Your purchases are shown in one place, so you can easily stay up-to-date on the use of money. With the help of a credit limit, you keep your consumption within the limits you want.
You can conveniently receive invoices in your e-mail. In our online service, you can see information about your use of OP Lasku and the amount of your purchases.
You can use OP Lasku if you are over 20 years old with the ability to pay, and you have the domain names of a Finnish bank.
OP Lasku is a responsible payment method
Credit decisions are based on an overall assessment of solvency. In order to make an overall estimate, we ask you to state your income and debt service expenses when the OP Lasku is introduced. In addition, we check your credit information from the credit information register. This makes it easier to manage your everyday life and helps keep your finances in balance.
What does it cost to use the invoice?
An account management fee of € 2.95 is added to the invoice. If you receive several invoices in the same month, you only pay one account management fee. The account management fee is not charged when you do not receive an invoice. So you only pay for using the OP Lasku.
If you wish, you can pay only the minimum installment of the invoice, in which case the final amount will automatically be transferred to the installment payment. When you pay in installments, the annual interest rate is 19.95%.*
*OP Lasku is a continuous credit with a real annual interest rate of 1,000 euros for a credit of 26.84%, while the credit interest rate is fixed at 19.95% and the account management fee is 2.95 euros per month. The estimated total cost of the loan is 1396.91 euros. The calculation is made on the assumption that the credit has been withdrawn in full, the credit interest rate as well as the payments and fees remain the same throughout the credit period and the credit is repaid in minimum installments of 27.78 euros every month, in which case the credit period is 36 months. The credit is granted by OP Yrityspankki Oyj, Gebhardinaukio 1, 00510 Helsinki.
Order and payment confirmation
After a successful order an order confirmation will be sent into your email. In addition, you will receive a payment confirmation email from Paytrail. To be able to receive order and payment confirmation emails you are required to fill in your email address when placing an order.
Delivery and costs
The delivery costs will be stated after you have chosen a payment and delivery method. We deliver orders as registered or unregistered mail, of which registered mail is trackable with a tracking code.
Our usual delivery times within Finland are 2-7 days depending on the order and delivery method. We are not responsible for delayed deliveries caused by force majeure or any damage due to delayed delivery. We will notify our customers of any exceptions in delivery times on the front page of our web shop.
Terms for product exchanges and returns
You have a legal right according to the consumer protection law of Finland to exchange products or return your order or part of it within 14 days of receiving the order. The right of return is only applicable to unused, re-sellable products in their original packing. Return costs are the customer’s responsibility.
When returning an order, please attach your name and contact information as well as your bank account number for money refunds. We will refund the full amount paid within [14 days] of receipt of the notice of cancellation if the product has been returned or has been proved to have been delivered by mail to the return address.
Return your order to:
Kainuun Rastiviikko ry
Ketunpolku 1, Tieto 1
For digital content and services, you waive your right to cancel the service or digital content before the cancellation expires.
Cancellation of an event
If the event has to be cancelled due to bad conditions or emergency (Force Majeure). In this case, the customer is entitled to a event product (parking tickets, bus tickets and meal ticket) refund of the sum paid to Kainuu Orienteering Week. The processing fee is deducted from the order amount 5 € / order.
Failure to redeem is not the same as a refund or cancellation. For non-redeemed packages not subject to a separate cancellation notice, we will charge shipping charges.
In case your order has gone missing, has been damaged during delivery or you are not satisfied with your order in any other way, you are required to notify the relevant party or parties stated in the terms and conditions within 14 days. If the order has been damaged during delivery, a complaint must be filed with the carrier company immediately.
All complaints related to delivery must be made within 14 days of receipt of the product at the Kainuu Orienteering Week office (Ketunpolku 1, Tieto 1, 87100 Kajaani, tel. +358 44 5123517, email: email@example.com). As a rule, a defective product is replaced by a replacement product. If this is not possible, it may result in a price reduction or trade dismantling.
If the dispute cannot be resolved by negotiation between the parties, the consumer may refer the matter to the Consumer Disputes Board (www.kuluttajariita.fi).
Before submitting the matter to the Consumer Disputes Board, the consumer must contact the Consumer Advisers' Office (www.kkv.fi/kuluttajaneuvonta).
Consumer disputes concerning webshop can be resolved online through the European Commission's Dispute Resolution Forum (the so-called ODR Forum) http://ec.europa.eu/odr. To initiate proceedings in the ODR forum, the consumer can use the webshop customer service e-mail address firstname.lastname@example.org. A Finnish consumer who has a dispute with a Finnish webshop should first contact the Consumer Advice Center (www.kkv.fi/kuluttajaneuvonta) to find out.